Georgia Title Bond Calculator
Enter your vehicle's DOR-assessed retail value and model year below. The calculator applies Georgia's rule for Form MV-46 — double the fair market value, $5,000 minimum — and estimates the premium and TAVT that follow.
- Who requires it: The Georgia Department of Revenue.
- Amount: 2x the DOR average retail value, with a $5,000 floor.
- Typical cost (estimate): Roughly 1%–3% of the bond amount, charged once for the full 4-year term; about $200–$600 on a $20,000 bond. The surety sets the final price.
Georgia Title Bond Cost Calculator
2x average retail value · $5,000 minimum · 4-year term
Enter your vehicle's estimated retail value and model year. The calculator applies Georgia’s rule for the MV-46 bond (Ga. Comp. R. & Regs. 560-10-13-.04), double the fair market value with a $5,000 minimum, and shows a premium range based on 1% to 3% of the bond amount; the premium is an estimate and the surety carrier sets the final price. Georgia's 7% Title Ad Valorem Tax (TAVT) is a separate charge paid at the County Tag Office and is not part of the bond.
How Georgia Sets Your Bond Amount
The Georgia DOR's Bonded Vehicle Title page says the bond must be written for 2× the average retail value of the vehicle, with a minimum of $5,000. The calculator above applies this equation:
The average retail value is the figure DOR has on file for your vehicle's make, model, year, and trim — the same value used to calculate the TAVT — and is available at eservices.drives.ga.gov. Georgia's rule, Ga. Comp. R. & Regs. 560-10-13-.04, states the same requirement as double the fair market value, or $5,000, whichever is greater. Use that figure in the calculator, not what you paid or a private online estimate. A value that differs from DOR's will produce a different bond amount.
Under O.C.G.A. § 40-3-28 the bond expires at the end of four years unless the commissioner has been notified of a breach of a condition of the bond. There is no annual renewal, so the premium shown is a one-time cost covering the full term. Georgia's 7% Title Ad Valorem Tax (TAVT) is a separate charge paid at the County Tag Office and is not included in the bond premium.
Official Georgia Requirements
"The bond must be written in an amount equal to two times the average retail value of the vehicle... The minimum acceptable bond amount is $5,000."Georgia Department of Revenue: Bonded Vehicle Title • dor.georgia.gov/node/24606
Official Georgia Requirements
"The valuation amount on the bond shall be twice the average retail value of the vehicle as reflected in the current issue of any nationally recognized used car guide... The bond shall be for not less than $5,000.00 and shall expire at the end of four years unless the commissioner has been notified of a breach of a condition of the bond."Official Code of Georgia Annotated — O.C.G.A. § 40-3-28 • O.C.G.A. § 40-3-28
Worked Examples Across Vehicle Values
The rows below apply Georgia’s rule (double the fair market value, $5,000 minimum) to six values, including where the minimum applies on the lowest example. The premium range reflects 1% to 3% of the bond amount and is an estimate; the carrier sets the final price.
| DOR Retail Value | Bond Amount | Est. Premium (4-yr) |
|---|---|---|
| $1,500 | $5,000(minimum) | $100–$150 |
| $4,000 | $8,000 | $100–$240 |
| $8,500 | $17,000 | $170–$510 |
| $14,500 | $29,000 | $290–$870 |
| $25,000 | $50,000 | $500–$1,500 |
| $40,000 | $80,000 | $800–$2,400 |
Premium estimates assume a typical 1%–3% rate of bond face and average credit; final premium is set by the underwriting surety. TAVT (7% of retail value, paid separately at the County Tag Office) is not included in these figures.
Keep Researching Georgia Bonded Titles
Full Georgia Title Bond Guide
MV-46 packet, T-22B inspection, 7% TAVT, and the 6-month filing window explained
50-State Bonded Title Matrix
Compare Georgia's 2× multiplier against every other state's formula, floor, and form number
Vehicle Title Bonds Hub
Cost, rules, and which states don't offer a bonded-title process at all
Calculator & Bond Amount FAQ
Questions specific to how the Georgia formula works
How is the Georgia title bond amount calculated?
My result shows $5,000 even though my car is only worth $1,800. Why?
Does this calculator include the 7% TAVT I’ll owe at the tag office?
Is the bond amount the same thing as what I’ll pay?
Where do I find the "average retail value" this calculator asks for?
What if my vehicle is a 1985 model or older?
All content is researched from official state and federal sources (.gov). BuySuretyBonds.com works with Treasury-listed surety carriers.
Your Number Is Just the Start
The bond amount and minimum come from the Georgia DOR; premiums here are estimates and the surety carrier sets the final price. The full Georgia guide covers the forms, the T-22B inspection and the TAVT.
Read the Full Georgia Guide